> ## Documentation Index > Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt > Use this file to discover all available pages before exploring further. # Send transfers > Send outbound transfers in real time with Fintoc's legacy v2023-11-15 Transfers API over SPEI in Mexico or TEF in Chile, and track status via webhooks. After you complete the setup guide, follow these steps to send an outbound transfer: 1. Configure JSON Web Signature (JWS) signing keys and generate a JWS signature. 2. Add funds to the `Account` object's `root_account_number`. 3. Create a `Transfer` from your backend using your **Secret Key** and a **JWS Signature**. 4. Monitor the transfer status. The following diagram shows how Fintoc interacts with your integration and the counterparty receiving the payout. # Step 1: Configure JWS signing keys and generate a JWS signature Requests to the Transfers endpoints require a JWS. A JWS digitally signs data to verify its integrity and authenticity. To learn how to sign an API call, follow the steps in the [JWS Signature guide](/v2023-11-15/guides/transfers/setting-up-jws-keys). # Step 2: Add funds to Fintoc To create a `Transfer`, first add funds to your `Account` object's `root_account_number`. The funds appear as an inbound transfer. # Step 3: Create a transfer You can send real-time transfers after you fund your account. From your backend, create a `Transfer` using your test **Secret Key** and **JWS Signature**. Include the origin account, amount, currency, and counterparty receiving the payment. The examples below show successful `Transfer` responses. Use the predefined inputs in [Test your integration](/v2023-11-15/guides/transfers/test-your-integration#test-outbound-transfers) to test unsuccessful results. ## Use an idempotency key Fintoc supports [idempotency](https://en.wikipedia.org/wiki/Idempotence) so you can retry a `Transfer` request without performing the operation twice. Use an idempotency key when creating a `Transfer`. If a connection error occurs, retry the request with the same key to avoid creating a second `Transfer`. To make an idempotent request, include the `Idempotency-Key` header. ## Create a transfer for Mexico 🇲🇽 The following example creates a `Transfer` for MXN \$590.13: ```bash theme={null} curl --request POST \ --url https://api.fintoc.com/v2/transfers \ --header 'Authorization: sk_test_9c8d8CeyBTx1VcJzuDgpm4H' \ --header 'Fintoc-JWS-Signature: CNMaYaDGU3ZhFV1ve6p3sAdYXhEklej8DVIAMqIWCkpNmT6Jp7iigcndXwH5q3WQFHiswgIQU5-_-4rV3jKGptCROmEyWPW8_elhYH1apzAyjOjyZ55ygv37xKHzIFhixzAwmXlAv4pfD4lVelYWVNOSN7REA0QJeCy2vKdqZ5cjqCXQ1lkQUlzOE7dpuNoAkhAhAJJ8HaamFKy7Gl7uwmqbIr-dVYv21d_9O7mO26n0gy3zWXD2nJDxU5Mzl2pZd8-sFvUr9Kmp_YkeRMh4bSe0fr1Uc_YgkjpmYUyu7kaxRWTbAdJ3GwqWFMUDiyfhHdzvZPZyU4VkWreimoydMA' \ --header 'Idempotency-Key: 1ebfd86c-a75b-4606-872f-9f1cdd9724ca' \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --data ' { "amount": 59013, "currency": "mxn", "account_id": "acc_M8sKf230BgHjD4", "comment": "Pago de credito 10451", "reference_id": "150195", "counterparty": { "account_number": "000000000000000000" }, "metadata": { "customer_id": "12050123" } } ' ``` **Currencies are represented as integers** The Fintoc API represents amounts as integers in the smallest currency unit. For example, Fintoc represents **MXN \$10.29 as 1029**. For more information, see [Currencies](/v2023-11-15/guides/home/currencies). ### Add the institution ID For a standardized Mexican bank account number (CLABE), Fintoc derives the counterparty institution ID from the CLABE. For a **mobile phone number** or **debit card**, include the five-digit institution ID. Find the ID in the [Bank of Mexico institution list](https://www.banxico.org.mx/cep-scl/listaInstituciones.do). Otherwise, the API returns a `400 Bad Request` error. ### Use an SDK Use the Python or Node SDK to create the transfer: ```python theme={null} transfer = client.v2.transfers.create( idempotency_key="12345678910", amount=59013, currency="MXN", account_id="acc_M8sKf230BgHjD4", comment="Pago de credito 10451", reference_id="150195", counterparty={"account_number": "000000000000000000"}, metadata={"customer_id": "12050123"} ) ``` ```javascript Node theme={null} const transfer = await fintoc.v2.transfers.create({ idempotency_key: '12345678910', amount: 59013, currency: 'mxn', account_id: 'acc_2tgq0oPCyMInAZWiZt5', counterparty: { account_number: '000000000000000000', }, metadata: { customer_id: '19385014' } }); ``` In Mexico, the `Counterparty` object requires the following attribute: | Parameter | Description | | :--------------- | :------------------------------------------------------------------------------------ | | `account_number` | Recipient account number, such as a CLABE, mobile phone number, or debit card number. | A successful request returns the following response: ```json theme={null} { "object": "transfer", "id": "tr_jKaHD105H", "amount": 59013, "currency": "MXN", "direction": "outbound", "status": "succeeded", "transaction_date": "2020-04-17T05:12:41.462Z", "post_date": "2020-04-17T00:00:00.000Z", "comment": "Pago de gas", "reference_id": "150195", "tracking_key": "s2123423423324334", "receipt_url": "https://www.banxico.org.mx/cep/", "mode": "test", "return_reason": null, "counterparty": { "holder_id": "AAAA010101AAA", "holder_name": "Test Customer 1", "account_number": "000000000000000000", "account_type": "clabe", "institution": { "id": "mx_bbva_mexico", "name": "BBVA Mexico", "country": "mx" } }, "account_number": { "id": "acno_Kasf91034gj1AD", "account_id": "acc_Jas92lf9adg94ka", "number": "000000000000000000", "created_at": "2024-03-01T20:09:42.949787176Z", "mode": "test", "description": null, "metadata": {}, "object": "account_number" }, "metadata": { "order_id": 1234 } } ```
## Create a transfer for Chile 🇨🇱 The following example creates a `Transfer` for CLP \$1869: ```bash theme={null} curl --request POST \ --url https://api.fintoc.com/v2/transfers \ --header 'Authorization: sk_test_9c8d8CeyBTx1VcJzuDgpm4H' \ --header 'Fintoc-JWS-Signature: CNMaYaDGU3ZhFV1ve6p3sAdYXhEklej8DVIAMqIWCkpNmT6Jp7iigcndXwH5q3WQFHiswgIQU5-_-4rV3jKGptCROmEyWPW8_elhYH1apzAyjOjyZ55ygv37xKHzIFhixzAwmXlAv4pfD4lVelYWVNOSN7REA0QJeCy2vKdqZ5cjqCXQ1lkQUlzOE7dpuNoAkhAhAJJ8HaamFKy7Gl7uwmqbIr-dVYv21d_9O7mO26n0gy3zWXD2nJDxU5Mzl2pZd8-sFvUr9Kmp_YkeRMh4bSe0fr1Uc_YgkjpmYUyu7kaxRWTbAdJ3GwqWFMUDiyfhHdzvZPZyU4VkWreimoydMA' \ --header 'Idempotency-Key: 1ebfd86c-a75b-4606-872f-9f1cdd9724ca' \ --header 'accept: application/json' \ --header 'content-type: application/json' \ --data ' { "amount": 1869, "currency": "CLP", "account_id": "acc_M8sKf230BgHjD4", "comment": "Pago de credito 10451", "counterparty": { "holder_id": "111111111", "holder_name": "Piped Piper SpA", "account_number": "000000000", "account_type": "checking_account", "institution_id": "cl_banco_de_chile" }, "metadata": { "customer_id": "12050123" } } ' ``` ### Use an SDK Use the Python or Node SDK to create the transfer: ```python theme={null} transfer = client.v2.transfers.create( idempotency_key="12345678910", amount=1869, currency="CLP", account_id="acc_M8sKf230BgHjD4", comment="Pago de credito 10451", counterparty={ "holder_id": "111111111", "holder_name": "Piped Piper SpA", "account_number": "000000000", "account_type": "checking_account", "institution_id": "cl_banco_de_chile" }, metadata={"customer_id": "12050123"} ) ``` ```javascript Node theme={null} const transfer = await fintoc.v2.transfers.create({ idempotency_key: '12345678910', amount: 59013, currency: 'CLP', account_id: 'acc_2tgq0oPCyMInAZWiZt5', comment: 'Pago de credito 12543', counterparty: { holder_id: '111111111', holder_name: 'Pied Piper SpA', account_number: '000000000000000000', account_type: 'checking_account', institution_id: 'cl_banco_de_chile' }, metadata: { customer_id: '19385014' } }); ```
In Chile, the `Counterparty` object requires the following five attributes: | Parameter | Description | | :--------------- | :--------------------------------------------------------------- | | `holder_id` | Account holder's Chilean tax ID (RUT). | | `holder_name` | Account holder's name. | | `account_number` | Account number. | | `account_type` | Bank account type. One of `checking_account` or `sight_account`. | | `institution_id` | Fintoc institution ID for the bank receiving the transfer. | A successful request returns the following response: ```json theme={null} { "object": "transfer", "id": "tr_jKaHD105H", "amount": 1869, "currency": "clp", "direction": "outbound", "status": "succeeded", "transaction_date": "2020-04-17T05:12:41.462Z", "post_date": "2020-04-17T00:00:00.000Z", "comment": "Pago de gas", "reference_id": null, "receipt_url": null, "tracking_key": null, "mode": "test", "return_reason": null, "counterparty": { "holder_id": "111111111", "holder_name": "Piped Piper SpA", "account_number": "000000000", "account_type": "checking_account", "institution": { "id": "cl_banco_de_chile", "name": "Banco de Chile", "country": "cl" } }, "account_number": { "id": "acno_Kasf91034gj1AD", "account_id": "acc_Jas92lf9adg94ka", "number": "000000000000000000", "created_at": "2024-03-01T20:09:42.949787176Z", "mode": "test", "object": "account_number", "description": null, "metadata": {} }, "metadata": { "order_id": 1234 } } ``` # Step 4: Monitor the transfer status ## Transfer status flow A transfer has one of the following statuses: `pending`, `succeeded`, `failed`, `returned`, `return_pending`, or `rejected`. For details about each status, see the [Transfers data model](/v2023-11-15/guides/transfers/transfers-overview/v2-transfers-data-model). ## Monitor status using webhooks Fintoc sends a `transfer.outbound.succeeded` event when the transfer settles. Use the [webhook guide](/v2023-11-15/guides/resources/webhooks-walkthrough) to receive these events. You can then notify your customer or log the transfer in your enterprise resource planning (ERP) system. We recommend handling the following events: | Event | Description | | :---------------------------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | `transfer.outbound.succeeded` | Sent when the transfer succeeds. | | `transfer.outbound.rejected` | Sent when Banco de México or the counterparty institution rejects a transfer in Mexico, or when the counterparty institution rejects one in Chile. `rejected` is a final state. | | `transfer.outbound.failed` | Sent when an error prevents the transfer from reaching its destination account. | **Webhooks may arrive out of order** For example, a `transfer.outbound.rejected` event can arrive before the same transfer's `transfer.outbound.succeeded` event. The transfer can succeed before the rejection occurs.